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1422 Cobblestone Dr, Saint Charles, MO, 63304

4beds
3baths
3,088sqft
$497,400
$161price/sqft
$3,500/moest. monthly cost
$140,000/yrincome needed

About This Home

Coming Soon Friday, May 1st! – Private Pool Oasis Built for Gathering & Everyday Living This is the home people naturally come together in. With two expansive main-floor additions (18x20 & 20x20), you’ll have the kind of open, flexible space that easily adapts to hosting, relaxing, or simply spreading out in comfort. Out back, your own private escape—an inground pool surrounded by a secluded backyard setting. Whether it’s summer get-togethers or quiet evenings, this space delivers the lifestyle buyers are searching for—plus ample storage sheds to keep everything organized and out of sight. Inside, enjoy a well-maintained home with thoughtful updates that blend modern convenience with timeless character. Located in the heart of Central St. Charles, just minutes from shopping, dining, parks, and everyday amenities. A rare combination of space, privacy, and versatility—designed for the way people actually live today.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
8/10
Bryan Middle SchoolGrades 6-84.7 mi

Construction

Condition

  • Year built: 1978

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mediterranean
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bathroom3

  • Features: Floor Covering: Carpeting
  • Level: First

Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: First

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,088

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,088
  • Total interior livable area: 3,088 sqft

Property

Details

  • Parcel number: 300155212000050.0000000
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Pool features: Salt Water
  • Patio & porch: Awning(s),Patio
  • Exterior features: Awning(s),Private Yard
  • Fencing: Vinyl

Lot

  • Lot size: 10,375 sqft
  • Features: Back Yard,Front Yard,Landscaped,Private

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,515$30,180
Home Insurance *$311$3,732
Property Taxes $439$5,268
Electricity $235$2,829
Total$3,500$42,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,000/yr
40% on housing$105,000/yr
45% on housing$93,333/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 63304$189
St. Charles County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 63304$192
St. Charles County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listed for sale$499,900

For Sale by Agent

AgentEric Schmidt
BrokerageColdwell Banker Realty - Gundaker

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